Takaful Emarat

This page summarises 2 indicative Takaful Emarat plan tiers compiled by Zavis (Takaful Emarat Basic Takaful, Takaful Emarat Enhanced Takaful), with indicative annual premiums from AED 2,500 – 4,800/yr to AED 5,500 – 12,000/yr. They are not Takaful Emarat's published plan list or prices, so ask Takaful Emarat or an authorised broker for its current plans and a quote.

2,222 healthcare providers in 8 UAE cities list Takaful Emarat as an accepted insurer in the UAE Open Healthcare Directory. Network counts come from the insurance lists on each listing, so confirm with the provider that your plan tier is accepted before you book.

Dental and maternity coverage depends on the plan tier. Yes, Takaful Emarat's enhanced and premium plans include dental coverage. Maternity is covered with waiting periods ranging from 10 to 12 months.

Takaful Emarat is regulated by DHA and DOH and MOHAP. Its plans sold in Dubai must meet the Essential Benefits Package required for Dubai residents and workers. Oversight in Abu Dhabi means its plans there must meet the emirate's mandatory Thiqa and basic scheme requirements. Federal registration covers its plans in the Northern Emirates.

First ask the clinic or hospital whether it bills Takaful Emarat directly: in your plan's network you show your insurance card and pay only your share of the bill. For a reimbursement claim, follow the claim steps on takafulemarat.com; your policy states what to send and the deadline. Takaful Emarat's website gives 600 522550 (customer service).

The most affordable Takaful Emarat plan is the Takaful Emarat Basic Takaful (Basic tier), starting from AED 2,500 – 4,800/yr annually. It covers inpatient, outpatient, maternity with a 20% outpatient co-pay and an annual limit of AED 250,000.